农户参与农业保险的意愿与需求:山东的调查

Willing and Demand of Farmers' Participation in Agricultural Insurance:Starting out from 400 Questionnaires

通过对山东省400农户农业保险的问卷调查,反映农户的风险意识、参与农业保险的意愿及对农业保险的需求,分析农户参与农业保险比重低的原因,进而得出调查结论:自然灾害频发的现实需要农业保险,面对自然风险农户的保险意识淡漠,政策性农业保险是调动农户参与农业保险的重要保障,农业保险的经营模式可能成为农户参保与否的重要决策因素。应采取加强农业保险的宣传工作、培育发展农村专业合作组织、强化政府在农业保险中的作用和积极探索农业保险制度模式等相关对策措施。

400 questionnaires of farmer-household in agricultural insurance in Shandong Province, reports farmerhouseholds＇ risk consciousness, their wishes and their demands of participating in agricultural insurance. After analyzing the reasons of the low proportion of farmer-households＇ participation in agricultural insurance, a conclusion has been given that they have no or low realization of agricultural insurance, which is much required since natural disasters are frequent. Therefore, to irritate them to join in, policy-related agricultural insurance could play an important role. The operating mode could become an important factor to deside whether famers would take part in. At last, suggestions are given, such as making more adequate propaganda,cultivating rural specialized cooperative organizations, strengtening the role of government,and exploring more modes of agricultural insurance.